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Start on the right financial foot.

Let's get you finacially prepped for college. Your first credit card? Spending money access? We've got you covered. Browse our college planning resources to help students and their families prepare.

An easy way to get money to your college student

A Joint Membership shared by a parent and student makes it simple to supply money for college expenses.

  • Deposit funds any time with Digital Banking
  • Free and unlimited point-of-sale debit card transactions
  • Withdraw cash at any of 85,000+ ATMs in our networks

Build credit with a Visa® College Real Rewards Card

Our Visa® College Real Rewards Card credit card – used responsibly – can be a good way to help build a positive credit history.

  • Earn unlimited points to redeem for rewards1
  • Chip-enhanced security and zero fraud liability2
  • No annual fee

Scholarship Search

Search thousands of scholarships, grants, and other aid award opportunities all in one convenient location!

Search Now

More Financial Planning Tools for the College-Bound

We've got more resources to help before, during and even after college at our college planning website.

Learn More

1 You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

2 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.